Long time lurker, first time poster.
My spouse and I are well on our way to early retirement, and are currently saving 65% of our income. I've read a lot of articles on how much you need to save for retirement, and have bought into the 4% rule. However, I'm not sure how this applies when about 50% of what we've saved so far is "locked down" until age 59 1/2 (or later). I'm actually pretty comfortable that we already have enough saved in our traditional retirements accounts; after all, those will continue to grow for another 20+ years! However, how do you determine how much to save to cover the "gap years" between when you retire and when you can access traditional retirement funds (401ks, IRAs, etc.)?
Thanks!